
. 
. ******************************************************************
. *
. ** Describe variables used in each Table for ReStats Manuscript **
. *
. ******************************************************************
. 
. 
. use loanshark_data_final, clear

. 
.  
. *******************
. ***** Table 1 *****
. *******************
. 
. ** Panel A
. des gender ethnicity edu workstatus incomemon 

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
gender          byte    %10.0g     Gender     Gender
ethnicity       byte    %10.0g     ethnicity
                                              Ethnicity
edu             byte    %22.0g     Edu        Highest Education Level
workstatus      byte    %10.0g     Workstatus
                                              Working Status
incomemon       byte    %34.0g     Incomemon
                                              Monthly Income

. 
. ** Panel B 
. des debt borrowexp famfrdborrowfreq famfrdfailrepayfreq borrowfreq failrepayfreq drinking drug gambling savepct lavishpct 

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
debt            byte    %16.0g     Debt       Total Debt as of today
borrowexp       byte    %18.0g     Firstborrow
                                              How long since First Borrowed Money
famfrdborrowf~q byte    %15.0g     Famfrdborrowfreq
                                              Frequency of Borrowing Money from friends/colleagues/family members/relatives on
famfrdfailrep~q byte    %15.0g     Famfrdfailrepayfreq
                                              Frequency of Failing to Repay on time to friends/colleagues/family members/relat
borrowfreq      byte    %15.0g     Borrowfreq
                                              Frequency of Borrowing Money from Loan Shark on an average year
failrepayfreq   byte    %15.0g     Failrepayfreq
                                              Frequency of Failing to Repay on time to Loan Shark
drinking        byte    %15.0g     Frequency
                                              Frequency of Drinking
drug            byte    %15.0g     Frequency
                                              Frequency of Drug Abusing
gambling        byte    %15.0g     Frequency
                                              Frequency of Gambling
savepct         byte    %13.0g     Savepct    Percentage of Monthly Income Saving or Investing for Future Use
lavishpct       byte    %13.0g     Lavishpct
                                              Percentage of Monthly Income Spent on Lavish Affairs

. 
. *******************
. ***** Table 2 *****
. ******************* 
. 
. ** Panel A
. des loan loanasked rate_pct repaytime repayfull repayendD conscription  

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
loan            long    %10.0g                Loan Amount
loanasked       long    %10.0g                Loan Sought
rate_pct        float   %9.0g                 Nominal Rate
repaytime       double  %32.0g     Repaydurtaionmth
                                              Repay Month
repayfull       byte    %10.0g     Repayfull
                                              Repay in-full on time
repayendD       float   %15.0g     RepayendD
                                              Finally Repay (Dummy)
conscription    float   %9.0g                 Request accepted if lender requested borrower to work for him

. 
. ** Panel B
. des howrepayn1  howrepayn4 howrepayn2 howrepayn3 howrepayn6 howrepayn9 conscription 

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
howrepayn1      float   %9.0g                 Repay by using income
howrepayn4      float   %9.0g                 Repay by borrowing from another lender
howrepayn2      float   %9.0g                 Repay by borrowing from friends
howrepayn3      float   %9.0g                 Repay by borrowing from family
howrepayn6      float   %9.0g                 Repay by gambling winnings
howrepayn9      float   %9.0g                 Repay by selling valuables
conscription    float   %9.0g                 Request accepted if lender requested borrower to work for him

. 
. des forcen11 forcen1  

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
forcen11        float   %9.0g                 Harassment: Phone call
forcen1         float   %9.0g                 Harassment: verbal threat

. 
. des forcen2 forcen3 forcen4  forcen6 forcen7  forcen16 forcen17 forcen18 forcen19

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
forcen2         float   %9.0g                 Harassment: Shout at you in your neighborhood
forcen3         float   %9.0g                 Harassment: Stalking you in public venue and shout at you
forcen4         float   %9.0g                 Harassment: Harass you in your workplace
forcen6         float   %9.0g                 Harassment: Harass family members/friends
forcen7         float   %9.0g                 Harassment: Harass neighbors
forcen16        float   %9.0g                 Harassment: Knock doors/gate
forcen17        float   %9.0g                 Harassment: Chain door/gate/block key holes/put superclue on key holes
forcen18        float   %9.0g                 Harassment: Visiting home
forcen19        float   %9.0g                 Harassment: Visiting workplace

. 
. des forcen12 forcen0

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
forcen12        float   %9.0g                 Harassment: Demand letter/send note/threatening message
forcen0         float   %9.0g                 Harassment: Nothing

. 
. des  forcen5 forcen13 forcen14 forcen15  forcen20

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
forcen5         float   %9.0g                 Harassment: Splash Paint/Kerosene in your building
forcen13        float   %9.0g                 Harassment: Throw flowerpot
forcen14        float   %9.0g                 Harassment: Scribble wall
forcen15        float   %9.0g                 Harassment: Graffiti
forcen20        float   %9.0g                 Harassment: Scratch & splash paint on car

. 
. 
. ** Panel C
. desc conditn4  conditn1 conditn2 conditn5  conditn3 

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
conditn4        float   %9.0g                 Borrow condition: under gambling
conditn1        float   %9.0g                 Borrow condition: under normal condition
conditn2        float   %9.0g                 Borrow condition: after drinking
conditn5        float   %9.0g                 Borrow condition: under threat
conditn3        float   %9.0g                 Borrow condition: under drug

. 
. desc collateraln2 collateraln4 collateraln7 collateraln8

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
collateraln2    float   %9.0g                 Screen docs: personal ID
collateraln4    float   %9.0g                 Screen docs: friends ID
collateraln7    float   %9.0g                 Screen docs: Singpass
collateraln8    float   %9.0g                 Screen docs: friends/family contact No.

. 
. desc collateraln3 collateraln6

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
collateraln3    float   %9.0g                 
collateraln6    float   %9.0g                 

. 
. desc whythisahlongn7 whythisahlongn2 whythisahlongn8 whythisahlongn9 whythisahlongn3  whythisahlongn1  whythisahlongn4

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
whythisahlongn7 float   %9.0g                 Why this lender: referred by a trusted friend
whythisahlongn2 float   %9.0g                 Why this lender: Willing to loan the amount
whythisahlongn8 float   %9.0g                 Why this lender: Longer term/allow installment
whythisahlongn9 float   %9.0g                 Why this lender: borrow history
whythisahlongn3 float   %9.0g                 Why this lender: require fewer IDs
whythisahlongn1 float   %9.0g                 Why this lender: offers the best rate
whythisahlongn4 float   %9.0g                 Why this lender: less physical violence

. desc reasonn5 reasonn4 reasonn14 reasonn9  reasonn6 reasonn12  reasonn10

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
reasonn5        float   %9.0g                 Why borrow: for gambling
reasonn4        float   %9.0g                 Why borrow: for buying drinks/drugs
reasonn14       float   %9.0g                 Why borrow: for paying lender debt
reasonn9        float   %9.0g                 Why borrow: for paying bills
reasonn6        float   %9.0g                 Why borrow: for treating friends
reasonn12       float   %9.0g                 Why borrow: for paying gambling debt
reasonn10       float   %9.0g                 Why borrow: for entertainment/women

. 
. 
. * Panel D
. sort id sharkid5 enforcement year

. egen pair5_year_tag = tag(id sharkid5 year)

. lab var pair5_year_tag "Tag for borrower-lender pair and year"

. ** At borrower-sharkid5 pair level: max number of times transacted with a lender
. bys id sharkid5 (year month): gen pair5_num     = _n 

. lab var pair5_num "Within a borrower-lender pair: max number of times transacted with a lender"

. 
. 
. gen never_contacted = (borrowhist == 0)

. lab var never_contacted "Never contracted with this lender"

. 
. gen contract_num_year = .
(11,032 missing values generated)

. replace contract_num_year = pair5_num if pair5_year_tag
(8,233 real changes made)

. lab var contract_num_year "Times contract with this lender per year"

. 
. 
. gen rate_never_contacted =.
(11,032 missing values generated)

. replace rate_never_contacted = rate*100 if borrowhist == 0
(1,532 real changes made)

. lab var rate_never_contacted "Nominal rate (if never contracted)"

. 
. describe  pair5_year_tag  pair5_num  never_contacted contract_num_year rate_never_contacted

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
pair5_year_tag  byte    %8.0g                 Tag for borrower-lender pair and year
pair5_num       float   %9.0g                 Within a borrower-lender pair: max number of times transacted with a lender
never_contacted float   %9.0g                 Never contracted with this lender
contract_num_~r float   %9.0g                 Times contract with this lender per year
rate_never_co~d float   %9.0g                 Nominal rate (if never contracted)

. 
. *******************
. ***** Table 3 *****
. ******************* 
. 
. describe loan loanasked lendrate totalpaid latefee_share default howrepayn3 howrepayn2 lenderrequestwork conscription  noforce remind
>  repayendD id sharkid5 shark5_bor

              storage   display    value
variable name   type    format     label      variable label
---------------------------------------------------------------------------------------------------------------------------------------
loan            long    %10.0g                Loan Amount
loanasked       long    %10.0g                Loan Sought
lendrate        float   %9.0g                 Percent of Loan Asked Lent
totalpaid       long    %11.0g     Totalpaid
                                              Total Paid
latefee_share   float   %9.0g                 Late Fee Paid as a Share of Loan
default         float   %9.0g                 Default
howrepayn3      float   %9.0g                 Repay by borrowing from family
howrepayn2      float   %9.0g                 Repay by borrowing from friends
lenderrequest~k float   %9.0g                 Lender requested work for him
conscription    float   %9.0g                 Request accepted if lender requested borrower to work for him
noforce         float   %9.0g                 No Harassment
remind          float   %9.0g                 Reminder Call
repayendD       float   %15.0g     RepayendD
                                              Finally Repay (Dummy)
id              int     %10.0g                Borrower ID
sharkid5        float   %9.0g                 Lender ID
shark5_bor      float   %9.0g                 Borrower-lender pair

. 
. 
. 
. log close
      name:  <unnamed>
       log:  /Users/huailu/Documents/Loanshark/Data and Codes/Loanshark_Describe_Vars.log
  log type:  text
 closed on:  18 Aug 2022, 20:55:38
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